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Where can I find affordable travel insurance for a 120-day trip to Thailand, Cambodia, and Laos with a history of medical issues?
travel insuranceThailand travelexpat advicepre-existing medical conditionsUKhealth insuranceinsurance comparisonstudent travel insurance
Nov 14, 2024
a year ago
Tony *********
ORIGINAL POSTERHi everyone. Does anyone know where I can get cheaper travel insurance for a 120 day travel to Thailand, Cambodia and Laos.
I’m from England and have had a couple medical issues in the past
I’m from England and have had a couple medical issues in the past
TLDR : Answer Summary
The discussion revolves around finding affordable travel insurance for a 120-day trip to Thailand, Cambodia, and Laos, particularly for UK citizens with pre-existing medical conditions. Participants share various insurance providers such as Bupa, Saga, and international options like Allianz and Cigna. They suggest comparing offers, exploring free insurance options through credit cards, and considering specific packages tailored for travelers over 70. The community emphasizes the importance of disclosing medical history and understanding coverage limitations for pre-existing conditions.
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Claude **********
If you have had medical issue in the pass most of the insurance won’t pay if you have a claim ,they will say that you have a preexisting medical condition and will deny your claim in most cases .They will investigate your medical history and deny your claim .This why insurance company are rich .I have the same problem that you have I am 70 with a few medical issue so extremely expensive to get n insurance so in the past 2yeare I took a new company with no cost it is call the FUCK IT .So far so good I avoids risky activity ,like renting a scooter ,scuba diving or getting a prostitute ext ext ,and I eat well exercise and avoid alcohol and so far so good .No cost and with the money I save if I need medical Care I will either come back home fast or pay for private medical care .
Robert ********
Speak with Allianz
Mick ********
You better off buying a years policy for international and Europe which average cost about £220 and that covers everything 
Chris *********
If your having trouble with the cost of insurance from uk company try a Thai company.
@Arawan ******
is a good Thai insurance brokerJulian *******
Post office.
Mike *******
You get what you pay for..
Heath ***********
Most are garbage in my opinion. Going cheaper might not be best idea ? Study how to make a claim before you are in need.
Julian ********
Holidaysafe 6 months trip with pre- existing conditions £440 there is a uk gov website that lists all similar companies
Eddie ******
@Julian *******
what company?What age limitJulian ********
@Eddie *****
holidaysafe I’m 65 not sure what the age limit isEddie ******
@Julian *******
70 I just tried.Julian ********
@Eddie *****
is that any good to youReply to
Julian ********
Reply
David *********
Open a Nationwide Flex plus account for £13 per month and get travel insurance for free upto 30 days. To extend for upto 120 days you would need to pay an additional charge, but when compared to the cost of a seperate travel insurance policy it worked out significantly cheaper for me. Existing mediacl issues can also be included, but at an extra cost - of course.
Kevin *********
@David ********
it's going up in December to £15 but still good value if you are going on 2 or three shorter trips in a year , next year my wife and me are doing Thailand 22 days ,Greece 10 days ,and lanzarote 7 days ,and we are over 60 so it should cover all 3 tripsDavid *********
@Kevin ********
it’s going upto £18Kevin *********
@David ********
ah that's right I knew it was going up , still cheaper especially if you are over a certain age , some of the quotes I got were ridiculousReply to
Kevin *********
Reply
Eddie ******
@David ********
we have flex plus account it wasn't cheaper for a 120day extension for me Quote £2450 as against 50% of that with saga, for 2 adults with minimal health issues but both in our late 70s. Last year for 180 days was £480 only difference this year 1 year older, but nationwide changed there insurance provider. No longer gives 180 days Even for the 30 days you need a medical screening the cost is an extra £170 for us.
Insurance costs have gone through the roof this year
David *********
@Eddie *****
I have taken it out for 120 days this year (I leave uk in 2 weeks) and it cost me less than £200. I think the issue is your age. I am 52 years oldEddie ******
@David ********
Yes age is the problem so keep traveling whilst you are young.Reply to
Eddie ******
Reply
Tony *********
ORIGINAL POSTER@David ********
cheers mateReply to
Tony *********
Reply
Tony *********
ORIGINAL POSTERI have found a decent one with aviva but for a max of 90 days.
As I’m planning on travelling for 120 days do you think it’s possible to get 90 days (multi trip travel) but then add 30 days with a company that does nomad or single trip cover? Or would that 30 day single trip also be expensive?
As I’m planning on travelling for 120 days do you think it’s possible to get 90 days (multi trip travel) but then add 30 days with a company that does nomad or single trip cover? Or would that 30 day single trip also be expensive?
Colin *********************
I am looking for similar. Single-trip policies are very expensive. I found an annual policy with LV that would cover 90 days but if you include flights my trip would be 92. They refused. This means only single-trip possible and the cheapest quotes I have found for 92 days are around £300.
Arch *********
Free travel insurance with Comm Bank on mastercard
Michael ******
If you've had medical issues in the past and tell any health insurance company expect to pay top dollar.
Tony *********
ORIGINAL POSTER@Michael *****
yes I’m aware and I’m happy with the extra pounds sterling. My issue is either only being able to get a max 90 daysAnn ************
@Michael *****
exactlyReply to
Ann ************
Reply
Mally *******
Try saga I found them cheapest with pre existing health issues,mine was for 90 days each trip,hard to find one over that
Tony *********
ORIGINAL POSTER@Mally ******
I found them expensive but thanks mallyMally *******
@Tony ********
no problemReply to
Mally *******
Reply
Wayne ********
Tick
Butch *******
Word of caution, before you buy TI think about what you're insuring, you'll be very surprised to learn that a lot of the things you're insuring are not covered, 20% devaluation per year, so if they're more than 5 years old you have no claim, eg; your suitcase, your laptop, your camera, your phone, etc etc, I'm speaking from experience, I recently had my suitcase damaged beyond repair, and all the valuable items in it we're not covered due to this fact, read the fine print !
Ben *******
Insure and go website best cover and cheapest
Aaron *******
I always get a yearly policy with Allianz. Not really expensive. Came in handy during COVID, to show I had insurance to enter Thailand.
Oliver *****
AXA or Cigna offer very good cover.
Don’t rely on insurance from credit card companies 😬
Don’t rely on insurance from credit card companies 😬
Pafi **********
following
Ann ************
Any insurance will not cover pre existing conditions
Cato *******************
@Ann ***********
That is incorrect.... I have a number of pre existing conditions and always manage to receive adequate cover.... every case is measured on a case by case basis so to say "any insurance will not cover pre existing conditions "is not factual !Ann ************
@Cato ******************
like i said the hospitals will charge crazy prices for pre existing care and insurance always has a limitCato *******************
@Ann ***********
I am in remission from cancer and the Insurance companies have been very kind to me... transparency is the key .... again my husband has had issues and once again a few bucks more... Hospitals have never charged crazy prices for us... I am a health professional and if an Insurance company agrees to a certain hospital and treatment the hospital charges are agreed beforehand!Ann ************
@Cato ******************
in what country?Cato *******************
If I have been taken sick in Thailand, our Insurance company in Australia have an accepted rate of charges and paid out without a problem. The same applied when I lived in Europe and holidayed abroad... The only problem I have ever had in Thailand was during the Tsunami when the Insurance companies deemed it an act of god!
Reply to
Cato *******************
Reply
Tony *********
ORIGINAL POSTER@Ann ***********
it’s travel insuranceJanet ********
@Ann ***********
yes they do, but be prepared to pay I am here for 6 weeks!! £937Ann ************
@Janet *******
one of these farangs who comes to Thailand for a few weeks and thinks they know it all News flash …. You dont
Tony *********
ORIGINAL POSTER@Ann ***********
I am after travel insurance. In the uk they cover for pre existing conditions. It would cost £404 for 90 but goes up to £1037 for 120 days.
This is my predicament
Janet ********
@Tony ********
it's worth paying to be able to travel without worrying xTony *********
ORIGINAL POSTER@Janet *******
most definitelyChris **********
@Tony ********
I think that that is standard. I pay in the UK £450+ for Travel Annual Insurance with ore-existing conditions, which only covers 60 days in each travel period. I have been told by AXA staff in Bangkok that for certain pre-existing conditions such as a previous Heart Attack Health Insurance, is impossible to find.Tony *********
ORIGINAL POSTER@Chris *********
it’s not a problem getting it for that price for 90 days in the uk. I used avivaReply to
Janet ********
Reply
Ann ************
@Janet *******
i live in patong …. And i can tell you they dont cover existingTrevor *************
@Ann ***********
i checked several UK firms in the last week or so and they ALL accept existing conditions. YOU are incorrect here.Ann ************
@Trevor ************
you will find that the hospitals will charge a lot more if its pre existingTrevor *************
@Ann ***********
i have more experience with Thai hospitals than you will ever have. I paid over £50,000 a few years back for a number of operations my fiancee needed after a car crash. The point about insurance is it doesn't matter what the hospitals charge, the insurance covers it. Just accept you were incorrect, you"ve had half a dozen goes at defending your postion and you are STILL wrong. Give it up already 😏Janet ********
@Ann ***********
I live in UK and I can tell you they do.Ann ************
Janet ********
@Ann ***********
he is asking for health insurance. From UK for Thailand and Cambodia I think, that's how I read it anyway .Ann ************
@Janet *******
he is asking for travel insurance as he stated. He also stated he has health issues.Janet ********
@Ann ***********
so have I ,Ann ************
Janet ********
@Ann ***********
DittoAnn ************
Reply to
Ann ************
Reply
Carlo ********
Tri wrlife
Cato *******************
When I was in the UK I always used.....
We are able to consider cover for most pre-existing medical conditions. Please ensure you carefully read the questions regarding pre-existing conditions when buying online and don’t hesitate to get in touch with us if you have any queries regarding this. Medical conditions can be declared directly to our underwriter’s medical screening team on 0330 660 0563 or via their online screening system with further details here.
*********************************************************
and my son uses them all the time.... they are excellent... You didnt say what age you are but if under 74 they will insure you... regarding previous medical issues.... just fill in the forms and see what comes back... We have never had a problem with them at all... Good Luck and enjoy your amazing travel.... I absolutely love Cambodia and Laos. x... edited to add: Pre-existing medical conditionsWe are able to consider cover for most pre-existing medical conditions. Please ensure you carefully read the questions regarding pre-existing conditions when buying online and don’t hesitate to get in touch with us if you have any queries regarding this. Medical conditions can be declared directly to our underwriter’s medical screening team on 0330 660 0563 or via their online screening system with further details here.
Tony *********
ORIGINAL POSTER@Cato ******************
thank you my friendCato *******************
@Tony ********
You are most welcome Tony... !Reply to
Cato *******************
Reply
Perry *******
This You tuber had UK insurance from "Postal"
-- He was seriously ill and the insurance did a full evacuation to England with nurses etc.
- paid for everything in Thailand.
I am not from the UK.. but it sounds like good (inexpensive?) insurance.
-- He was seriously ill and the insurance did a full evacuation to England with nurses etc.
- paid for everything in Thailand.
I am not from the UK.. but it sounds like good (inexpensive?) insurance.
**********************************
Stephen ********
@Perry ******
he had insurance from the post office .Reply to
Stephen ********
Reply
Jackie *********
If you’re over 70 with medical issues or taking tabs even statins afraid your chances are basically nil for cheap medical insurance. Sorry. Been there tried many times uk and Thailand
Maurice **********
True Traveller!
Gary *********
I use.. Tick insurance
John ***********
@Gary ********
That's the one that cost me $260 for a month. And it is about the cheapest available in Australia. Travel insurance is now ridiculously expensive.Gary *********
At the end of The Day John im 72 so Insurance is a Must..for any Traveller
John ***********
@Gary ********
I don't get it. I'm 71 and bought the insurance online via a compare the market site. I paid even more last year. Somehow they must see me coming online and raise the price. No serious health issues.Reply to
John ***********
Reply
Gary *********
Normally pretty cheap mate
Gary *********
@John **********
I just did 3 months July till September 13 Weeks for $300..maybe up more because of Peak SeasonReply to
Gary *********
Reply
Will *******
Southern cross
Iain ******
Just Google 'compare the market.com'
Enter your pre-existing conditions, mine were high blood pressure, high cholesterol and it will give you a quote.
Mine was with virgin and it was around £100 cover for a year going to Thailand.
Enter your pre-existing conditions, mine were high blood pressure, high cholesterol and it will give you a quote.
Mine was with virgin and it was around £100 cover for a year going to Thailand.
George *******
@Iain *****
You say for a year, but that doesn't mean cover for 365 days consecutive, abroad, or does it? Find it hard to believe any travel insurance would cover a trip of one year long.John ***********
@George ******
If for a year, it's super cheap. I paid $A260 for a month in Thailand, and that was the cheapest comprehensive insurance available.George *******
@John **********
I agree, but the original poster said he was looking for insurance that'd cover a 120 day trip.Reply to
George *******
Reply
Iain ******
@George ******
the cover is for a year for as many trips as I want not exceeding a certain number of days .. per trip .. the number of which I can't recall .So yes.. you are correct
Reply to
Iain ******
Reply
Wayne ******
Dont use regency
Samuel ******
Most will not cover pre-existing conditions
Ingvar *******
Get an American Express card and pay your travel with that, than you have a travel insurance for 120 days. Price around $700.
Mark **********
I use an app called freely just type in the dates and the price will come up find easy and cheap enough
Fra *****
You have to negotiate the company’s and how many days they cover
Andee **********
I use international SOS. I haven’t needed their services but I have a very good friend who had to use it and they were excellent so that’s who I’ve always purchased from. They offer a variety of services.
James ******
Have you tried the post office
Keiton *****
Revolut card metal plan or above , pay the travel with it and full insurance with HUGE coverage . I unfortunately had to use it and they were great . Few emails and calls and all cover from them upfront. I hope you don't need to use it, but give it a go.
Paul ********
What airline are you flying with?
Jim ******
Try your airline.
SJ *******
How old
Mark *********
Staysure
Eddie ******
Saga gave me the best price for 120 days
John ********
@Eddie *****
A really good company them. Had to make a claim for Covid in hospital for two weeks in hospital Phuket. They paid straight away no problems whatsoever.Had a private room to myself too. Bill was about £8000 but they paid up without any issuesReply to
John ********
Reply
Jef ********
Bupa travel insurance
Cubi ******
Google is your friend
Jeff *******
@Cubi *****
So are forums that are made for asking these types of questions. Say like..........this one for instance.Brenda *********
@Jeff ******
exactly, isn’t this what’s its for!Reply to
Brenda *********
Reply
Chris ********
In Australia when I book to go to Thailand I pay with Visa Card, then I have free travel insurance.
Chang ******
@Chris *******
in japan too also Japanese government insurance cover 70 % of hospital bills u pay 30 % from u r pocketBrenda *********
@Chris *******
Visa card covers travel medical insurance?Ted ********
@Chris *******
over 65 and you lose the insuranceRobert *******
@Chris *******
Visa card in Germany the travel insurance is for 60 days max from day arrival no extension possibleRalph *******
@Chris *******
Ever had to claim?Robert *******
@Ralph ******
I had a diamond Visa card and the travel insurance paid mine hospital visits no problemsChris ********
Ralph *******
@Chris *******
I’m trying to at the moment. They seem to spend more time confirming your eligibility than trying to help.Reply to
Ralph *******
Reply
Bob *********
The most any travel insurance will do for UK citizen is fly you home.
Trevor *************
@Bob ********
what absolute horseshit 😏James ********
@Bob ********
bollocks Bob sharpiePeter *********
@Bob ********
no. Not correct.Ralph *******
@Bob ********
In a box?Braulio *********
@Ralph ******
Or in an Urn.Reply to
Braulio *********
Reply
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